Buying something with PayPal.

Sending and receiving money.

It’s free to use PayPal to send or receive money between friends and family in the UK, as long as the payment is funded by a bank account, debit card or PayPal balance, and no currency conversion is involved.

If you fund the payment using a credit card, send money in a different currency or make an international transfer, we charge you, the sender, a small fee. A currency conversion fee may also apply.

We think that’s pretty fair.

Sending or receiving money between friends and family within the UK (in GBP) :

Free when funded by the sender’s PayPal balance, bank account or debit card. If you use a credit card to send money, a fee of 3.4% + 20p applies.

Sending or receiving money between friends and family within the UK (in foreign currencies) :

Currency conversion fees apply. If you are using a credit or debit card, a fee of 3.4% + 20p will also apply.

Sending or receiving money to/from friends and family outside the UK :

A small fee applies to cross-border payments, depending on where the sender and the recipient are based and how the payment is funded.

International sales

See our User Agreement for details of these transaction fees and other fees that may apply. Please note that PayPal does not control and is not responsible for fees charged by sellers to accept PayPal

Merchant Rate

You can apply for Merchant Rate pricing if you’ve processed more than £1,500 in total payments through PayPal in the previous calendar month and your account is in good standing (not currently under investigation). We will look at your total payments processed to determine your merchant rate on a monthly basis.

Merchant Rate fee table

Your monthly sales

Transaction fee

Up to £1,500

3.4% + 20p

£1,500.01 - £6,000.00

2.9% + 20p

£6,000.01 - £15,000.00

2.4% + 20p

£15,000.01 - £55,000.00

1.9% + 20p

+£55,000

Call 0800 358 79292 for pricing

1 This pricing table shows transaction fees for domestic payments in UK GBP. Additional charges apply for currency conversions and cross border payments as well as refunds and chargebacks. These Merchant Rates exclude Micropayments and fees for not-for-profit organisations.2 Freephone from a UK landline. However, costs from mobiles may apply and are dependent on the terms of agreement with your mobile network provider. If you are calling from outside the UK, call 00353 1 436 9004 (international call charges may apply).

Maintaining your Merchant RateAfter qualifying for Merchant Rate pricing you need to maintain a payment volume of more than £1,500 per month to remain eligible for Merchant Rates. In the event that a payment volume of more than £1,500 is not maintained in the previous calendar month, or if you have unresolved chargebacks, you will no longer be eligible for Merchant Rate pricing and Standard Rate pricing will apply. You don’t need to re-apply for Merchant Rate pricing if your payment volume drops below £1,500 in the previous calendar month. Merchant Rate pricing will automatically apply again when you reach the qualifying payment volume.

ApplicationIf you’re interested in the Merchant Rate, log in to your PayPal account and apply via the online application form. In the event that your request is refused, please note that you may only submit an application once every 30 days.

Transferring money in the UK (no currency conversion)

Transferring money abroad

Using bank account or PayPal balance

Free

A cross border fee of between 0.3% and 2% applies, depending on where you’re sending the money.

Using a debit card

Free

A cross border fee of between 3.4% and 7.4% + a fixed fee (based on currency received) applies.

Using a credit card

3.4% + 20p

A cross border fee of between 3.4% and 7.4% + a fixed fee (based on currency received) applies.

Get paid in person with PayPal Here

Merchant Rate

You can apply for the below Merchant Rate if you’ve processed more than £1,500 in total payments through PayPal in the previous calendar month and your account is in good standing (not currently under investigation). We will look at your total payments processed to determine your Merchant Rate on a monthly basis.

Merchant Rate fee table

Your total monthly sales

Blended fee

Interchange Plus*

Up to £1,500

2.75%

IC+ 2.5%

£1500.01-£,6000

2.75%

IC+ 2.5%

£6,000.01 - £15,000

2.0%

IC + 1.75%

£15,000.01-£55,000

1.5%

IC + 1.25%

£55,000+

Call 0800 358 7929

Call 0800 358 7929

*Actual Interchange costs will vary depending on the type of card used and where it was issued. Interchange fees vary from 0.2% to 2.0%.

Blended rate of 3.40% + 20p, or Interchange Plus rate of Interchange + 3.15% + 20p applies for card payments made by swiping the magnetic strip or manually entering the card details. Amex card payments with Chip & Pin, Chip & Signature, and Contactless functionality are always processed with a rate of 2.75%. Amex card payments made by swiping the magnetic stripe or manually entering the card details are always processed with rate of 3.4% + 20p. Additional fees such as cross-border fees may apply. See our terms for details.
This table shows transaction fees for domestic payments in GBP. Additional charges apply for currency conversions and cross-border payments as well as refunds and chargebacks.

There are 2 fee structures available for this solution:

Blended fee structure

The blended fee structure can include two components – a set percentage for each transaction, plus a fixed fee for some transactions. You’ll pay the same rate regardless of the card type used, with PayPal absorbing any fluctuations in the actual cost of performing the transaction. For example, you might be charged 2.75% or 3.4% + 20p depending on the transaction type. You’ll receive the money in your PayPal account as soon as your customer makes the purchase, and that money is usually available immediately to withdraw to a bank account.

The Blended fee structure may be preferred if:

Immediate availability of funds on all your transactions is important

Predictable transaction costs are essential for planning

Quick and simple reconciliation of PayPal and card sales is preferred

Interchange Plus fee structure

The Interchange Plus fee structure can include three components – interchange fees (set by MasterCard and Visa), a set percentage for each transaction, plus a fixed fee for some transactions. Interchange Plus rates apply only to transactions in which your customer has paid you directly with a debit or credit card. Interchange fees may vary depending on the country of issuance, category and type of card used to make the payment. For example, you might be charged interchange + 2.5% or interchange + 3.15% + 20p depending on the transaction type

The Interchange Plus fee structure may be preferred if:

The vast majority of your sales are from consumer card types in the UK or from within the European Economic Area where interchange fees are capped.

Delay of one to two business days to the availability of your credit and debit card funds is acceptable.

Maintaining your Merchant RateAfter qualifying for Merchant Rate pricing you need to maintain a payment volume of more than £1,500 per month to remain eligible for Merchant Rates. In the event that a payment volume of more than £1,500 is not maintained in the previous calendar month, or if you have unresolved chargebacks, you will no longer be eligible for Merchant Rate pricing and Standard Rate fees will apply. You don’t need to reapply for Merchant Rate fees if your payment volume drops below £1,500 in the previous calendar month. Merchant Rates will automatically apply again when you reach the qualifying payment volume.

How to applyIf you’re interested in these merchant rates, please log in to your PayPal account and apply via the online application form. If you are declined, please note that you will only be able to reapply in 30 days' time.

Merchant fee structures

There are 2 fee structures available for this solution:

Blended fee structure

The blended fee structure includes two components – a set percentage plus a fixed fee on each transaction. You’ll pay the same rate regardless of the card type used, with PayPal absorbing any fluctuations in the actual cost of performing the transaction. For example, you might be charged 3.4% + 20p for each transaction. You’ll receive the money in your PayPal account as soon as your customer makes the purchase, and that money is usually available immediately to withdraw to a bank account.

The Blended fee structure may be preferred if:

Immediate availability of funds on all your transactions is important

Predictable transaction costs are essential for planning

Quick and simple reconciliation of PayPal and card sales is preferred

Interchange Plus fee structure

The Interchange Plus fee structure includes three components – interchange fees (set by MasterCard and Visa), a set percentage, plus a fixed fee on each transaction. Interchange Plus rates apply only to transactions in which your customer has paid you directly with a debit or credit card. Interchange fees may vary depending on the country of issuance, category and type of card used to make the payment. For example, you might be charged an interchange fee + 2.9% + 20p for each transaction. PayPal doesn’t know what the interchange fee is at the time of the transaction, and only receives interchange fee information from processors at the end of the business day. You’ll usually receive the money in your PayPal account the next business day after the payment has been made.

The Interchange Plus fee structure may be preferred if:

The vast majority of your sales are from consumer card types in the UK or from within the European Economic Area where interchange fees are capped.

Delay of one to two business days to the availability of your credit and debit card funds is acceptable.

To talk to a payments specialist, contact us on 0800 368 7177*

1Freephone from a UK landline. However, costs from mobiles may apply and are dependent on the terms of agreement with your mobile network provider. If you are calling from outside the UK, call 00353 1 436 9004 (international call charges may apply).